Debit Card Terms and Conditions

Platte Valley Bank of Missouri - ATM/MasterCard® Debit Cardholder Agreement

Any use, signing or retention of a Platte Valley Bank of Missouri ATM/Debit MasterCard ("Card") by the person named thereon ("Holder") constitutes Holder's acceptance of the following terms and conditions:

1. Holder is responsible for all transfers arising from the use of the Card, including transfers made by one with Holder's permission. Permission to use Holder's Card includes the right to make withdrawals or transfer funds from Holder's individual or joint accounts.

2. The Card remains the property of the Bank, and may be cancelled by the Bank at any time without notice and will be surrendered immediately upon Bank's request.

3. This agreement will control and govern use of the Card in making withdrawals from Holder's Checking and/or Savings Accounts in Bank; transferring funds between all Holder's Accounts in Bank; and any other use permitted by Bank from time to time.

4. Bank may limit Holder's right to use the Card, notwithstanding the balance in Holder's accounts.

5. When the Holder uses the Card to transfer funds between accounts maintained by Holder at the Bank, such transfers shall be held for safekeeping only and treated as received at the opening of the next banking day. Credit for such transactions is subject to Bank's final count and acceptance.

Receipts prepared by Holder at the time of making a transfer at an automated teller machine ("ATM") are not binding on the Bank and are subject to confirmation by the Bank.

6. When Holder uses the Card to make withdrawals from Holder's checking or savings account, the imprinting through the ATM of the Holder's checking or savings account number on the machine receipt, which the Holder will receive, will be deemed to be the Holder's written request and consent for a withdrawal in the amount selected and printed on the receipt. Such withdrawals may be made up to the amount of the established periodic withdrawal limits or the balance in the Holder's account, whichever is less, and are subject to all agreements and service charges applicable to Holder's checking or savings accounts.

7. If the Holder through use of the Card makes a withdrawal from either his or her checking account or savings account which exceeds the balance in that account, the Holder shall be obligated to pay Bank immediately the amount by which the withdrawal exceeds said balance.

8. Holder agrees to give notice immediately to Bank if the Card has been lost or stolen.

9. Bank shall not be liable for any refusal to honor Holder's Card.

10. Bank reserves the right to amend, revise or modify this Agreement.. Any amendment, revision, or modification shall become effective on the date specified therein, and use of the Card by the Holder, subsequent to the effective date of any such amendment, revision or modification shall constitute acceptance thereof by the Holder.

11. Holder may surrender the Card and terminate this agreement as to future use of the Card at any time. No such termination of this Agreement by Holder shall be effective as to obligations of Holder with respect to use of the Card prior to the date such termination is received by the Bank.

12. All transactions arising from Holder's use of the Card are subject to and controlled by the terms of all applicable account agreements and other contractual relationships with Bank and all applicable rules and regulations of the Bank.

13. All Electronic Banking disclosures set forth by Bank are incorporated herein by reference as though rewritten in this Cardholder Agreement and Holder agrees to all such electronic banking terms and conditions.

14. Holder agrees to pay the fees associated with use of the Card. See Bank disclosures for fees associated with card and card transactions.

Dated: 05/03/16